ࡱ> z|wxy7 rbjbjUU "7|7|dmjjl`.`.`.8.4.T|00000AAA$* JA@^AAACE00CECECEAp00CEACErCEH" 0p0 Y &`.A6 $0T[ BJ CESTUDY ON RAINFALL INSURANCE IN JAMNAGAR Project Rationale Risk is an indispensable but manageable element in agriculture. Revenues and incomes from agriculture can vary widely from year to year due to unforeseen weather, disease/pest infestations, and/or market conditions. When the unfavorable deviations in agriculture significantly reduce income in the short-term, there can be serious repercussions in the absence of effective risk management tools, especially when those deviations are systemic or coincident to the whole community. The negative shocks, for example, can affect farmers ability to repay financial obligations and lead to a loan default. Lending institutions may then be less inclined to extend loans to this sector in general due to high probability of loan default. The inability to easily access external financing over times limits farmers abilities to expand, diversify, and modernize. Even after 55 years of independence, agriculture is still the principal sector in India providing employment to nearly two-thirds of its population and contributing around 24 per cent of GDP. Despite significant advancements in agricultural technology in India, there are large tracts of farmlands that produce sub-optimal yields. The phenomenon of unpredictable rainfall in India remains an unresolved issue. As early as in 1976 the National Commission on Agriculture (1976) had estimated that rainfall variations accounted for 50% of the variability in agricultural yields, being as high as 90% for cotton and groundnut, 47% for wheat and 45% for barley and jowar. In addition to the high variability in the absolute quantum of rainfall received, the woes of Indian farmers are aggravated by the geographical heterogeneity in the availability of surface water and groundwater. Parts of north India that benefit from the melted snows enjoy water resources throughout the year, irrespective of monsoons. Eastern India enjoys a good network of rivers and also benefits from two monsoons a year (the major problem here is of floods). On the other hand, the plains in western, central and southern India do not have these advantages and in the event of poor monsoons, see their water tables run dry. Furthermore, losses due to droughts are more severe in case of unirrigated as compared to irrigated areas. Apart from the deficiency of rainfall or drought peril, there is another possibility: un-seasonal rains that could destroy standing crop prior to their harvest. Thus, unpredictable rainfall has its effects in many ways. The ultimate result is the loss of inputs used in production (in case of lack of rainfall) or loss of higher value-added standing crop (in case of un-seasonal rains). It may be worthwhile to look at the following causal analysis of production losses conducted by GICs Crop Cell during the period 1985-86 to 2001-02.  SHAPE \* MERGEFORMAT  In regions like Vidarbha, Telangana etc. where the large investment for cultivating cash crops like cotton gets eroded due to the vagaries of monsoon; crop failures invariably escalate into vicious debt traps. More than 400 cotton farmers have killed themselves because of debts and losses since June 2005. In Saurashtra, the volatility of monsoons is equally appalling. The average annual rainfall of Saurashtra region is about 775.0 mm with a standard deviation of 75.1 mm, whereas, the average monsoon rainfall of 680 mm with a variability of 61 %. The average rainfall for the months of June, July, August and September are 194, 338, 187 and 105 mm, respectively with their corresponding coefficient of variation of 150, 69, 87 and 84 %, respectively. The monsoon rainfall from June to September is received in 33 rainy days with late season long dry spell. In light of the above background, it is expedient to explicitly recognize rainfall as the dominant peril and thus undertake the development of a weather insurance scheme to immunize farm incomes against adverse deviations in rainfall to reduce volatility of farm income. Inclement weather, particularly manifest as fluctuating rainfall during the Kharif season in the rain-fed regions of India, has the potential to devastate the lives of a large number of farmers, which in turn would adversely impact the financial health of the mFIs. An impetus on providing social safety net to farmers through risk management instruments like weather insurance is bound to go a long way in meeting the developmental as well as business goals of mFIs. Project Objectives The main objectives of this project were: To develop weather insurance products for farmers of Groundnut in Jamnagar in alignment with their needs To help in the implementation of a weather insurance scheme for Groundnut in Jamnagar in association with Sajjata Sangh, SAVA (its member organisation) and the Agriculture Insurance Company of India Scope of Work The scope of our services as outlined under this project was as following: Assessing the insurability of covering the specific weather perils/events as deemed important by target population Studying, analyzing, and estimating (wherever required through heuristics) the nature and extent of production losses caused by the key perils identified above Procuring weather-related and other necessary data from relevant agencies and cleaning the data for further processing Selecting appropriate form of weather insurance models for covering the various weather perils Developing a product covering all insurable weather perils/events Facilitating negotiations with insurance companies for underwriting the structured solutions at an affordable price Reviewing the structured insurance propositions and customizing them based on the client feedback Imparting product education and process training to the staff of Sajjata Sangh and its member organisations Project Location The location identified for implementing the weather insurance program is Jamnagar district in the Saurashtra region of Gujarat.  Source: http://jamnagaronnet.com Methodology The assignment entailed that data has be collected from both primary and secondary sources. Interactions with the target group population (focused group discussion and questionnaire-based interviews) Crop Calendars and weather data from Indian Meteorological Department Interactions with key resource persons like personnel of Sajjata Sangh and its partner organisations, agricultural scientists and crop experts Web resources like ikisan, krishiworld etc Field Research Questionnaire and checklist based interactions were conducted with the members/clients of SAVA in Jamnagar district. The locations for primary research were Vinjalpur, Keshod, Morjar, Fatehpur etc. Product Review Workshops Product review exercises were undertaken at two stages. Initially the structured insurance propositions were discussed with the team of DSC and AKRSP-India that gave relevant inputs for making the product better suited to the requirements of the members/clients of SAVA. Thereafter the revised weather insurance structures were discussed in a multi-stakeholder workshop in Ahmedabad on 31st May 2006 that involved representatives from all the key stakeholders at the apex level. Literature Review and Conceptual Understanding Before proceeding to the discussion of product development process and product features, it would be worthwhile to review some important terms and concepts related to this project. Existing Crop Insurance Schemes Existing crop insurance programmes are based on the area approach. Under this approach, the yield across various farms in a region is deemed as homogenous. The actual area yield calculated on the basis of crop cutting experiments is applied to all the farms under the defined area and the indemnities are calculated based on the shortfall from the guaranteed or threshold yields. Such a product scores over a weather-based insurance product in terms of comprehensiveness of the coverage (as it can cover losses on account of diverse factors such as pest attack, hailstorms, cyclones etc.). However for most of the crops correct estimation of area-level yield that appropriately compensates the insured for the losses incurred is a difficult and tedious exercise involving lot of time and effort. The areas, and crops in each area, are to be notified by the State Governments opting for the scheme. The two major pre-requisites for an area and crop to be notified are: Availability of past yield data for adequate number of years. Requisite number of crop cutting experiments can be conducted for estimating the yield for each area. These are specified as 24 at the district level, 16 at the Taluka level, 10 at the Mandal level and at the Gram Panchayat level. Weather-based Crop Insurance An alternative for obviating the limitations of area yield insurance is to provide weather- based crop insurance products to the farmers. Weather-based crop insurance products pay indemnities based on the threshold values of a weather parameter rather than on yield losses experienced by the insured. Rainfall and other weather related insurance and derivative instruments came into vogue during the last decade. These instruments were initially used by utility companies and other industries whose business were getting affected due to vagaries of weather. Rainfall insurance for farmers is of very recent origin but is slowly gaining prominence in the countries where agriculture is largely rain-fed. The essential principle of rainfall insurance is that contracts are written against specific rainfall outcomes (e.g. deficient or excess rainfall) recorded at a local weather station. The rainfall strikes or trigger values are defined at a level that appropriately represents the incidence of yield loss happening on account of vagaries of rainfall. For example, an insured event might be that rainfall during the most critical month of the growing season is 30 percent below normal. In years when the insured event occurs, all the people who purchased the insurance receive the same payment per unit of insurance. Contract periods and payout dates depend on the particular crop cycle. Payouts are proportional to the measured rainfall deviations above or below the threshold. Comparison between Traditional Crop Insurance & Weather Insurance Table 1: Traditional Crop Insurance versus Weather Insurance Traditional Crop InsuranceWeather InsuranceCoverage is effective largely for extreme loss situations e.g. droughts and floodsCoverage for deviation in weather parameters from their optimum values Claim settlement basis is non-transparentCalculation of weather index is transparent and objectiveLarge delays in claim settlementsClaim settlements are quick and easyHigh administration costsLow administration costs Product Design and Implementation Considerations Any system of insurance must necessarily ensure that The farmers, as insured, should have no control over the loss event and its reporting. The size of the loss should be quantifiable in financial terms. Moral hazard and adverse selection should be minimized, ideally eliminated. The insurance provider should find the risk-return package attractive. The system should minimize transaction / administrative costs. A well-crafted product design is of no use unless backed up with on ground implementation capabilities. Therefore, the following aspects need to be kept in mind: Well-designed products need to be sold to the rural poor through proper information dissemination. Information needs to be shared in a manner that rural folks may feel themselves as an integral part of the risk management process. Products can be sold better by bringing in attitudinal change. The rural folks desist urban products unless they are comfortable. The product needs to be introduced to them by people whom they know and trust. Processes need to be designed in a way that suits the local practices, customs and traditions. Flexibility and simplicity is the key. Claims service needs to be extremely good and timely. A minor blunder here can have severe repercussions. The products/programmes need to be administered by taking the customers into confidence. The above cannot be achieved without a professional ground force that is deep rooted within the local community, has moral authority on matters of local importance, and above all, the trust of the local populace. Product Structuring On the basis of field research, scientific literature review and discussion with experts, feasibility and viability of weather-based crop insurance products for groundnut crop in Jamnagar could be easily ascertained. However, despite the possibility of providing farmers with weather insurance products which provide coverage against a spectrum of weather risks, it was deemed worthwhile to first do a pilot level implementation with a pure rainfall insurance product. Despite the strong insistence from farmers to provide cover against pests and diseases through weather insurance, it was deemed appropriate that such a complicated product feature be incorporated only once the farmers and the local NGO (SAVA) become assured and comfortable with the usefulness of weather-based crop insurance products. Making the weather insurance covers affordable and providing the farmers with a range of attractive rainfall insurance options were the key considerations driving the product development process. A novel approach for imputing missing weather data values was followed for this product. Climatic normal values were computed for each parameter for each day (from the 20-30 year weather data made available by IMD) and substituted for the missing data points. Weather Perils and Crop Stages Covered The weather insurance structures for groundnut basically provided cover against the following weather perils. Absence of Presowing Rainfall The purpose of the cover is to compensate the groundnut growers for lack of critical rainfall required for sowing. The critical value required for sowing has been fixed as minimum 50 mm of rainfall over any three consecutive days (preceding day onwards) during the period 20th June to 15th July. Rainfall Deficiency The deficiency of rainfall over the normal crop cycle can manifest itself in two forms: Deficiency in absolute volume of rainfall Long drought spell due to erratic distribution For groundnut, the volume-based covers are based on an absolute volume of rainfall required during a particular phase of crop cycle. The purpose of the distribution cover is to compensate the groundnut farmers for losses arising due to drought spells during the normal crop cycle. A drought spell is defined as the total absence of rainfall for more than twenty-five (25) consecutive days. Product Review and Revision Product review exercises were undertaken at two stages. Initially the structured insurance propositions were discussed with the team of DSC and AKRSP-India that gave relevant inputs for making the product better suited to the requirements of the members/clients of SAVA. Thereafter the revised weather insurance structures were discussed in a multi-stakeholder workshop in Ahmedabad on 31st May 2006 that involved representatives from all the key stakeholders at the apex level. Marketing and Distribution The need for disseminating product details to farmer members in vernacular medium was well-identified during product review discussions. A request to provide promotional and documentation material in Gujarati language, which is the vernacular language of the region was conveyed to the Agriculture Insurance Company of India Ltd. Furthermore, the Regional Office of the Agriculture Insurance Company of India Ltd also assured support for publicity through local newspapers and agriculture magazines/journals. In order to compensate the partner NGOs for their support in distribution and marketing of weather insurance products to farmer clients, it was decided that a service charge (as a percentage of total premium collected) would be provided to the local NGO (SAVA) which in turn would pass it on to their personnel for their contribution to this initiative. Claim Settlement and Weather Data Recording Among the foremost limitations of index-based weather insurance, the one that needs maximum attention to enable weather insurance reach its due potential in India, is basis risk which arises from potential mismatch between insurance payouts and insureds losses. The extent of basis risk varies for different weather variables; rainfall carrying higher basis risk than temperature. In order to minimise the large basis risk that is inherent in rainfall and to enhance the credibility and representativeness of claim settlement, negotiations were carried out with the underwriter of the weather insurance policy i.e. the Agriculture Insurance Company of India Ltd. It was thus mutually agreed that the weather data for settling claims would be captured through third-party weather stations that would be installed at block-level proportionate to the level of patronage in the region. Such an arrangement is quite novel and could become possible only as a result of working with a government-backed insurance company. The inability of private insurance companies to settle claims based on data collected through third-party weather stations arises from their dependence on international reinsurance markets which entertain settlement of claims only through WMO certified weather stations. Conclusion The weather insurance initiative that has been kick-started by Sajjata Sangh for meeting the agricultural production risk management needs of its member organisation (SAVA) and its farmer clients can act as a precursor to more holistic community risk management programs. Such initiatives have the potential of being spread across a large geographical landscape due to inbuilt strengths like affordability, insurability and efficiency. It is only through multi-stakeholder collaborations as inherent in this initiative that potent safety nets like Microinsurance can make their way towards people at the bottom of the socio-economic pyramid. ANNEXURE A: Profiles of Key Stakeholders Cardinal Edge Technical Advisor Cardinal Edge, established in 2005, is a management consulting organization that has its roots in the convergence of enterprising professionals for pursuit of their shared dreams. The common binding element has been their deep conviction in the power of management to enhance stakeholders value of developmental and corporate entities. The object of Cardinal Edge is to provide management assistance to entities in the public, the private and the voluntary sector for improvement of their processes, systems, products and services. With qualifications from premier institutes like IRMA and ICAI, the members of Cardinal Edge have demonstrated their competence in diverse sectors like agribusiness, risk management, business and economic research. The core team of Cardinal Edge brings with him a deep-rooted understanding of the rural populace and their behavioral patterns along with a first-hand understanding of village economics and infrastructure gained through sustained experiences in the rural hinterlands. Each team member brings in his distinct competence in responding to unique and complex business situations, along with a shared dedication to values and ethics. Agriculture Insurance Company of India Ltd. Insurance Company Agriculture Insurance Company of India (AIC), incorporated in 2002, is an exclusive organisation set up for implementing National Agricultural Insurance Scheme (NAIS). The main object of AIC is to provide financial security against losses in the agricultural and allied sectors. It has been the commitment of AIC to launch products that complement the needs of the farming community. AIC has taken over the existing crop insurance scheme National Agriculture Insurance Scheme (NAIS) of the Government w.e.f. 1st April 2003. The company has thereafter devised and launched other crop related insurance schemes viz. Farm Income Insurance Scheme (FIIS) during Rabi 2003-04 season; rainfall based insurance scheme viz. Varsha Bima during Kharif 2004, as pilot projects. More recently, AIC launched Coffee Insurance for implementation in Karnataka; Sookha Suraksha Kavach in Rajasthan and Varsha Bima 2005 in 10 states across the country. In its endeavor to be the leading and truly innovative company, AIC has the distinction of launching path-breaking crop insurance products in India using state-of-the-art technology and insurance models. Sajjata Sangh- NGOS network Sajjata Sangh, a collective action for capacity building is a network of 25 Non-governmental Organization (NGOs) implementing participatory Natural Resource Management program in different part of the Gujarat. The founding mandate of the Sangh is to create a platform for mutual learning among NGOs to strengthen their capacity building and enhance their access to external resource of knowledge. The Sangh also makes collective efforts to create a favorable policy environment for the promotion if participatory policies and procedures in natural resource management programs. The primary goal of the Sangh is to increase the productivity of natural resource, which in turn would contributed towards upliftment of farmers, especially small and marginal farmers. The Sangh attempts to achieve this goals by networking among NGOs, capacity building through mutual learning and from external resources, undertaking policy advocacy, and conducting action research some of the specific objective are as under. Some of the specific objective are as under. To strengthen technological, institutional and managerial capacity of member organizations for natural resource development programs. To facilitate internal learning processes among member organization so that they carry out work of superior quality, utilize the resources judiciously, and have transparency in operation. To influence policies and program of the government and the donor agencies such that they improve the effectiveness of voluntary organizations. To obtain external expertise and assistance in areas such as technical knowledge, financial requirement, marketing strategies and productivity enhancement for village communities. . ANNEXURE B: Policy Documents for Groundnut Groundnut Insurance Structure for Jamnagar Sowing Failure Cover The purpose of the cover is to compensate the groundnut growers for lack of critical rainfall required for sowing. The critical value required for sowing has been fixed as minimum 50 mm of rainfall over any three consecutive days (in a preceding order) during the period 20th June to 15th July. The cover is being provided on a per acre basis. The Maximum Sum Assured under this cover has been fixed at Rs 500 per acre. The indemnity accruing to each groundnut farmer covered for this peril would be calculated on the basis of rainfall values for three consecutive days (which will be computed for all days during the period of this cover). Payment to groundnut growers would occur if the maximum rainfall value (for three consecutive days) computed over the period of this cover is less than the critical rainfall value required for sowing. 100% payment under this cover would be made if maximum rainfall value (for three consecutive days) during the period of cover is 25 mm or less. It may, however, be noted that the total payout made under this cover would not, in any case, exceed the Maximum Sum Assured of Rs 500. The payout structure would be based on the following slabs for a standard sum assured of Rs 100: Payout Structure Actual Rainfall UnitsLimit 1Limit 2Fixed Payout (Rs)Variable Payout (Rs) (per mm deficit)Total Payout (Rs)Range 15040-220Range 2403520335Range 3353035560Range 43025608100Range 525 & less100 Deficient Rainfall Covers Rainfall Volume Cover The purpose of the cover is to compensate the groundnut growers for losses arising due to deficient volume of rainfall for the period starting 16th July and ending at 15th September. For simplicity, this period has been subdivided into two phases, each of which is having a specific requirement of rainfall, maximum sum assured, strike level and payout rates. The requirements on the basis of which this cover has been designed are indicated in the following table: RowRainfall StagesPhase I Phase II 1Duration16 July to 15 August 16 August to 15 September2Strike I (mm)60603Strike II (mm)40404Exit 005Rate per mm Payout I6106Rate per mm Payout II22457Policy Limit10002000  Explanations of Terms Strike I indicates the first strike value of actual rainfall during the specified Rainfall Stage which payouts at the Rate per mm Payout I (given in Row No. 5 of the table above) would become applicable. Payouts at this rate would continue till the occurrence of Strike II. Strike II indicates the second strike value of actual rainfall during the specified Rainfall Stage below which payouts at the Rate per mm Payout II (given in Row No. 6 of the table above) would become applicable. Payouts at this rate would continue till the occurrence of Exit. Exit is the value at which the payouts would cease. Policy Limit is the maximum sum assured for different Rainfall Stages.  The rainfall volume cover is being provided on a per acre basis. The indemnity arising to each groundnut farmer covered for the deficient volume peril would be calculated on the basis of actual phase-wise rainfall. Payment to groundnut growers would occur if the value of the value of the actual rainfall during a particular Rainfall Stage is less than the value of Strike I or Strike II (whichever applicable). 100% payment under this cover would be made if the rainfall during a particular Rainfall Stage is zero. It may, however, be noted that the total payout made for a particular Rainfall Stage would not, in any case, exceed the Policy Limit for that particular Rainfall Stage. Rainfall Distribution Cover The purpose of the cover is to compensate the groundnut growers for losses arising due to drought spells between the period starting 1st July and ending at 15th September. A drought spell is defined as the total absence of rainfall for more than twenty (25) consecutive days. The cover is being provided on a per acre basis. The Maximum Sum Assured under this cover has been fixed at Rs 1500 per acre. The indemnity arising to each groundnut farmer covered for the drought peril would be calculated on the basis of total number of incidences of a drought spell (calculated on an annual basis). For a drought spell of more than 25 consecutive days, for example 28 days consecutive absence of rainfall, there would be 4 incidences of a drought spell. Therefore the maximum possible number of such incidences of a drought spell during the period of coverage can be fifty two (52). Payment to groundnut growers would occur if the total number of incidences of a drought spell (calculated on an annual basis) is greater than or equal to one (single incidence). 100% payment under this cover would be made if the total number of incidences of a drought spell (calculated on an annual basis) is 6 or more. It may, however, be noted that the total payout made under this cover would not, in any case, exceed the Maximum Sum Assured under this cover fixed at Rs 1500 per acre. 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